InStages

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Scale Your Mortgage Business Without Scaling Your Costs

Access top-tier, U.S.-trained mortgage talent at a fraction of the cost—allowing you to lower expenses, increase capacity, and grow your pipeline with confidence.

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Highly trained mortgage processors

Strict QA & compliance checks

Transparent communication

Flexible scaling (per file or per FTE)

What We Do

We provide comprehensive, end-to-end mortgage processing support that covers each stage of the loan lifecycle.

Loan setup & disclosures

Document collection & review

Income & asset calculation

Conditions management

Pre-underwriting support

Closing coordination

InStages Streamlines Your Mortgage Pipeline

Close loans faster, reduce costs, and improve borrower experience with a streamlined processing system.

End-to-end mortgage processing support

Complete handling of the loan process from intake to closing.

Scalable offshore staffing

Flexible team size based on your loan volume needs.

Process-driven workflows

Standardized steps to ensure consistency and efficiency.

Fast, accurate file handling

Quick turnaround with high attention to detail.

Our Process

Setup & Submissions Processing

  • File Intake
  • Income Review
  • Loan Application Review & Completion
  • VOE Orders
  • Initial Disclosures Release and Review
  • Transcript Orders
  • Borrower Requirements Collection and Review
  • Escrow and Title Docs Collection and Review
  • Insurance Order
  • Appraisal / Rental Survey Order
  • SSN Order
  • Condo Documents
Initial Underwriting

  • Review Complete Loan
  • File Analyze Borrower
  • Creditworthiness Run and Interpret AUS
  • Findings Issue Initial
  • Approval Identify Red Flags and Fraud Risks
Prior-to-Docs Processing

  • Review Conditional Approval
  • Collect and Review Conditions
  • Communicate with Underwriters
  • Coordinate with Title and Escrow
  • Order Final Verifications (Credit Refresh and VVOE)
  • Locked LE and CD release
  • LDP GSA on FHA Loans
  • Track Closing Timelines
Underwriting II & QC

  • Review the Initial Underwriting Conditions
  • Re-Evaluate Credit Risk
  • Validate Income Calculations
  • Review Assets and Closing Funds
  • Review Appraisal
  • Compliance and QM Test
  • Clear or Add Conditions
  • Issue Final Underwriting Decision
  • Support QC and Audit
Docs & Funding

  • Generate Closing Documents
  • Review Signed Loan Documents
  • Review Funding Conditions
  • Balance the Loan File
  • Approve and Release Funds
Post Closing

  • Review the Closed Loan Package
  • Prepare the Loan for Investor Delivery
  • Compile and Submit Credit and Closing Package to Investor
  • Review, Collect, and Clear Investor Conditions
  • Track Collateral Shipment and Delivery
  • Register file in MERS
  • Process Delivery of Service Transfer Letters
  • Collect and Submit Trailing Documents

Contact Us

Use the form to get in touch with us. We’ll respond as soon as possible

Office
Unit 1001A 10th Floor Kepwealth Bldg.
6000 Samar Loop, Ayala Business Park
Cebu City 6000
Philippines

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